Current Rates

CURRENT DIVIDEND RATES
Rates effective as of 10/01/2008
and may change without notice as conditions warrant.

ACCOUNTS	RATE	APY *
Share Accounts
Regular Share Account $50 Minimum $9999 Maximum	0.50%	0.50%
Regular Share Account $10000 Minimum $24999 Maximum	1.00%	1.00%
Regular Share Account $25000 Minimum $999999 Maximum	1.25%	1.26%
Club Accounts
Club Account	0.75%	0.75%
Share CD Accounts
Share Certificate $500 Minimum $999999 Maximum 6 month (Early withdrawals subject to penalties)	2.50%	2.52%
Share Certificate $500 Minimum $999999 Maximum 12 month (Early withdrawals subject to penalties)	2.75%	2.78
Share Certificate $500 Minimum $999999 Maximum 24 month (Early withdrawals subject to penalties)	3.00%	3.04%

*APY is the Annual Percentage Yield

CURRENT LOAN RATES
Rates effective as of 10/01/2008
and may change without notice as conditions warrant.

LOAN TYPE	TERM	APR *
Unsecured Loans (Signature)
Signature Loan - Credit Score A+	-	8.00%
Signature Loan - Credit Score A	-	8.50%
Signature Loan - Credit Score B	-	10.50%
Signature Loan - Credit Score C	-	13.50%
Signature Loan - Credit Score D	-	16.50%
Signature Loan - Credit Score E	-	18.00%
Share-Secured Loans
Share Secured	-	5.00%
Vehicle Loans
New and Used APR Depends on Credit Score (A+ - E)	24 months	4.75% - 16.00%
New and Used APR Depends on Credit Score (A+ - E)	36 months	5.00% - 16.25%
New and Used APR Depends on Credit Score (A+ - E)	48 months	5.25% - 16.50%
New and Used APR Depends on Credit Score (A+ - E)	60 months	5.50% - 16.75%
New and Used $25000 Minimum $999999 Maximum APR Depends on Credit Score (A - C Only)	72 months - Not available on "D and E" credit	5.75% - 12.00%

*APR is the Annual Percentage Rate